Home Insurance in Kansas City, MO

Whether you prefer the sweeter or the saucier things in life, Kansas City has you covered. Crowned the barbecue capital of the world and home to the world-famous Russel Stover chocolate, KC has something for every taste bud. 

However, if you're shopping for home insurance in Kansas City you may find the process to be anything but sweet. That’s where we come in, breaking down the insurance jargon into something more palatable. Just one of the many ways we show up for the “Show Me State.” 

How much is homeowners insurance in Kansas City?

Home insurance in Kansas City costs an average of $2,780 a year, according to Insurance.com. While that’s significantly more than the Missouri home insurance average, the city does get over 30 tornadoes a year, so the added cost is warranted.

What factors influence my home insurance rate?

The factors that influence your home insurance rate include your home's location, age, and current condition, in addition to your financial background and credit history. Your deductible amount also plays a role as well, as lower deductibles often lead to higher premiums.

Kansas City's home insurance premiums are higher than average due to the area's high risk of natural disasters. Tornadoes, flooding, hail, and severe winter weather are all common in the area, meaning KC homeowners often need extra protection.

What does home insurance in Kansas City, MO cover?

Home insurance in Kansas City, MO will cover your dwelling, personal property, and liability from a variety of perils and unique events. So if you take the family out for a day of fun at Worlds of Fun and come back to find your tech was stolen during a break-in, you’d be covered to replace what you lost. (And if you had a policy with Hippo, you’d have four times the tech coverage compared to most other providers.)

However, home insurance policies do have particular exclusions, so it’s important to chat with your provider about what isn’t covered in your standard policy. For example, most acts of God aren’t included in traditional policies, and given Kansas City’s propensity for extreme weather, it's a good idea for homeowners to add on protection for windstorms and even flooding.

What Kansas City residents need to know

With homes averaging in the low $200,000s and the cost of living lower than the national average, Kansas City has a lot going for it. In fact, all these savings can come in handy as you look to make sure your home insurance policy has your back from the severe weather the area is known for.

As mentioned above, if you’re a Kansas City homeowner, insurance riders should be your best friend. But you don’t have to just focus on natural disasters to get more protection for your home. Riders such as scheduled personal property and extended replacement cost are good options for KC homeowners as well, as they offer more in-depth coverage should you need to replace your valuables or rebuild your home.

How to lower your Kansas City home insurance premium

Though Kansas City may be home to a Money Museum, that doesn’t mean every single homeowner is made of money. And given how the natural disaster risk drives up home insurance premiums in the area, who wouldn’t want to save a little extra on their policy if they can?

Lowering your home insurance premium in Kansas City is all about prevention and protection. From upgrading your roof to withstand high winds to installing smart home devices that monitor your pipes during winter freezes, making these updates can help assure your provider that you’re doing all you can to fortify your home against the elements.

If you’ve already upgraded your home and still want to save a little extra money, you should consider raising your deductible limit, bundling policies, or asking about discount options available. 

Some providers offer discounts for homeowners in the military, or even for those who pay for the entire year of coverage upfront. While you may not qualify for all available discounts, it never hurts to ask.

Heard enough? Get the protection your KC home deserves by signing up for Hippo’s modern home insurance policies today.